February, 10 2017

Mebuki Financial Group, Inc.

Financial Results for the Third Quarter of Fiscal Year 2016, ending March 31, 2017
Stock Exchange Listing:Tokyo (code: 7167)
URL:
http://www.mebuki-fg.co.jp/
Representative:
Kazuyoshi Terakado, President
For Inquiry:
Kiyoshi Nozaki, General Manager of Corporate Planning Dept.
Filing date of Financial Statements: February 13, 2017 (scheduled)(Japanese yen amounts of less than 1 million or the first decimal place have been rounded down.)

1. Financial Highlights (from April 1, 2016 to December 31, 2016)(%: Changes from the corresponding period of the previous fiscal year)(1)Consolidated Operating Results
Ordinary Income
Third quarter
Ended December 31, 2016
Ended December 31, 2015

(Note) Comprehensive Income¥Million¥Million％

150,926
78,210―
7.0¥Million％

42,81822,817

Third quarter of FY2016: ¥152,174 million [-%]

Third quarter
Ended December 31, 2016
Ended December 31, 2015

Net Income Attributable to
Owners of the Parent

Ordinary Profit―
18.0

153,174
14,500―17.6

Third quarter of FY2015: ¥11,440 million [-66.6%]

Net Income per Net Income per
Share
Share (Diluted)¥¥

160.2243.51

160.18―(Note) Since net income per share does not decrease as a result of dilution, diluted net income per share for the third quarterof previous fiscal year 2015, is not shown.

(2)Consolidated Financial Conditions
Total Assets

Net Assets¥Million¥Million

Third quarter
Ended December 31, 2016
Fiscal year 2015

16,035,098
6,106,037

Capital Assets to
Total Assets％

855,597
303,105

5.3
4.9(Reference) Capital assets
Third quarter of FY2016: ¥855,440million
FY2015: ¥303,105 million(Note) “Capital assets to total assets” represents (“Net assets”-“Equity warrants”-“Non-controlling interests”) / “Total
assets” at the end of each period. The ratio above is not the one based on the regulation of Capital Adequacy Ratio.

2. Cash Dividends for Shareholders

Cash Dividends per Share

End of 1Q

Fiscal year
Ended December 31, 2016
Ending March 31, 2017¥

Ending March 31, 2017(Forecast)End of 2Q

End of 3Q

¥

―
―

5.50
5.50

¥

End of FY――

Annual

¥

¥

4.50

10.00

6.50

12.00

(Note) 1.Revisions of released cash dividend forecasts : No
2. 2nd Quarter-end dividend for FY2015 includes a commemorative cash dividend ￥1.00 per share for 120-year anniversary of
a wholly owned subsidiary, The Ashikaga Bank, Ltd.
3. Year-end dividend for FY2016 (forcast) includes a commemorative cash dividend ￥1.00 per share for the businessintegration of The Joyo Bank, Ltd. and Ashikaga Holdings Co., Ltd.
4. Cash dividends excluding year-end dividend for FY2016 (Forecast) represent actual dividends paid by Ashikaga
Holdings co.,Ltd.

3. Consolidated Earnings Forecasts for Fiscal year 2016, ending March 31, 2017(%: Changes from the corresponding period of the previous fiscal year)
Net Income Attributable to
Net Income per ShareOwners of the Parent

Ordinary Profit

Fiscal YearEnding March 3１, 2017

¥Million

53,000％¥Million－(Note) Revisions of released consolidated earnings forecasts : No

155,000

％

％

¥

－

163.21

*Notes(1) Material changes in consolidated subsidiaries during the period (changes in specific subsidiaries
accompanied by changes in scope of consolidation): Yes
Included:
1 company
The Joyo Bank, Ltd.
Excluded:(2) Adoption of special accounting methods for preparation of quarterly consolidated financial statements : No
(3) Changes in accounting principles, accounting estimates and restatement① Changes in accounting principles in accordance with changes in accounting standard, etc.: No② Other changes in accounting principles: No③ Changes in accounting estimates: No④ Restatement: No(4) Number of issued shares (common stock)① Number of issued shares (including treasury stock):
December 31, 2016 1,179,055,218 shares
March 31, 2016
② Number of treasury stock:
December 31, 2016
1,302,903 shares March 31, 2016
③ Average number of shares:
For the nine months ended December 31, 2016
For the nine months ended December 31, 2015

333,250,000 shares―shares955,985,754 shares
333,250,000 shares(Note) From April 1,2016 to September 30,2016, the average number of shares is provided by multiplying The Joyo Bank, Ltd. 's
average number of shares and the share exchange ratio. From October 1,2016 to December 31,2016,
the average number of shares is calculated by the actual figures of Mebuki Financial Group, Inc.

Statement relating to the status of the quarterly review proceduresThis quarterly report is not subject to the quarterly review procedures based on the Financial Instruments andExchange Law. The audit procedures are finished at the time of the release of these financial statements.

Explanation for proper use of forecasts and other notes

The above forecasts are based on the information which is presently available and the certain assumptions which are considered to bereasonable. Actual results may differ from those forecasts depending on various future factors.
Mebuki Financial Group, Inc. (Mebuki) conducted a share exchange on October 1, 2016 under which Ashikaga Holdings, Co., Ltd. (AHD)
became the wholly owing parent company and The Joyo Bank, Ltd. (Joyo) became the wholly owned subsidiary.
Based on the Accounting Standard for Business Combinations, this share exchange is a reverse acquisition wherein AHD is considered
to be the acquired company and Joyo to be the acquiring company. Therefore, the consolidated assets and liabilities of AHD weretransferred to the consolidated balance sheets of Joyo at the fair value.
Accordingly,consolidated financial results for the third quarter of ficial year 2016 (from April 1, 2016 to December 31, 2016) includes
those of Joyo for the period from April 1, 2016 to September 30, 2016, and those of Mebuki for the period from October 1, 2016
to December 31, 2016. There is no continuity of financial statements between the prior fiscal year and the third quartely period.
Therefore, the year-on-year changes are not disclosed.

Financial Results for the Third Quarter of Fiscal Year 2016, Ending March 31, 2017-------------------------------------- Contents --------------------------------------Ⅰ Quarterly Consolidated Financial Information
1. Quarterly Consolidated Balance Sheet・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 1
2. Quarterly Consolidated Statement of Income and Consolidated Statement of Comprehensive Income・・・ 2
3. Note for the Assumption of Going Concern・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・

2

4. Note for Material Changes in Shareholders' Equity・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・

3

5. Business Combination・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・

4

6. Significant Subsequent Event ・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・

5

Ⅱ 【Reference】Quartely Non-consolidated Financial Information of the main consolidated subsidiaries
1. Quarterly Non-consolidated Financial Information of The Joyo Bank, Ltd.・・・・・・・・・・・・・・・・・・・・・・・・・・・

6

2. Quarterly Non-consolidated Financial Information of The Ashikaga Bank, Ltd.・・・・・・・・・・・・・・・・・・・・・・・ 9
Ⅲ Financial Data for the Third Quarter of Fiscal Year 2016 ending March 31, 2017
1. Income Status・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 12
2. Interest Rate Spread (Domestic operations)・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 16
3. Gains and Losses on Securities・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 17
4. Unrealized Valuation Gains (Losses)・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 18
5. Disclosed Claims under the Financial Revitalization Law・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 19
6. Loans・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 20
7. Deposits・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 21

Ⅰ Quarterly Consolidated Financial Information
1. Quarterly Consolidated Balance Sheet(Millions of yen）

Item
AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading assets
Trading account securities
Securities
Loans and bills discounted
Foreign exchanges
Lease receivable and investments in lease
Other assets
Tangible fixed assets
Intangible fixed assets
Asset for retirement benefits
Deferred tax assets
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Reserve for devaluation of investment securities
Total Assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills soldPayables under securities lending transactions
Trading liabilities
Borrowed money
Foreign Exchanges
Bonds
Bonds with warrant attached
Due to trust account
Other liabilities
Provision for directors' bonuses
Liability for retirement benefits
Provision for directors' retirement benefits
Provision for reimbursement of deposits
Provision for point card certificates
Provision for loss on interest repayment
Provision for contingent loss
Reserves under special laws
Deferred tax liabilities
Deferred tax liabilities for land revaluation
Negative goodwill
Acceptances and guarantees
Total liabilities
Net Assets
Capital stock
Capital surplus
Retained earnings
Treasury stock
Total shareholders’ equity
Unrealized gains on available-for-sale securities
Deferred gains (losses) on hedges
Land revaluation excess, net of taxes
Defined retirement benefit plans
Total accumulated other comprehensive income
Equity warrants
Total net assets
Total liabilities and net assets(Japanese)(資産の部)
現金
預
け金
コールローン及び買入手形
買
入
金
銭
債
権
特
定
取
引
資
産
商
品
有
価
証
券
有
価
証
券
貸
出
金
外
国
為
替
リ ース債 権 及 びリ ース 投 資 資 産
そ
の
他
資
産
有
形
固
定
資
産
無
形
固
定
資
産
退 職 給 付 に 係 る 資 産
繰
延
税
金
資
産
支
払
承
諾
見
返
貸
倒
引
当
金
投 資 損 失 引 当 金
資
産
の
部
合
計
(負債の部)
預
金
譲
渡
性
預
金
コールマネー及び売渡手形
債券貸借取引受入担保金
特
定
取
引
負
債
借
用
金
外
国
為
替
社
債
新 株 予 約 権 付 社 債
信
託
勘
定
借
そ
の
他
負
債
役 員 賞 与 引 当 金
退 職 給 付 に 係 る 負 債
役 員 退 職 慰 労 引 当 金
睡眠預金払戻損失引当金
ポ イ ン ト 引 当 金
利 息 返 還 損 失 引 当 金
偶 発 損 失 引 当 金
特 別 法 上 の 引 当 金
繰
延
税
金
負
債
再評価に係る繰延税金負債
負
の
の
れ
ん
支
払
承
諾
負
債
の
部
合
計
(純資産の部)
資
本
金
資
本
剰
余
金
利
益
剰
余
金
自
己
株
式
株
主
資
本
合
計
その他有価証券評価差額金
繰 延 ヘ ッ ジ 損 益
土 地 再 評 価 差 額 金
退職給付に係る調整累計額
その他の包括利益累計額合計
新
株
予
約
権
純 資 産 の 部 合 計
負債及び純資産の部合計(Note) Figures are rounded down to the nearest million.

－1－

As of Mar. 31,
2016

As of Dec. 31,
2016437,509
414
7,627
－
3,596
1,296,769
4,235,174
4,377－
34,277
24,42478,601
10,446584
12,913(40,679)－
6,106,037

1,487,981
15,18016,090
7,057－
4,055,983
10,169,125
6,748
44,654
136,906
118,220
12,742
12,3301,827
27,475(77,218)(9)
16,035,098

5,206,700
174,878
78,00025,263－
251,726
282－－－
46,266
57
－
311
858
134
－
464
－
5,074
－
－
12,9135,802,932

13,348,045
315,614301,940
341,653576
610,629695
15,00034,872
2
120,436
35
13,947
31
3,022
265
14
1,574
2
32,6389,485
1,540
27,475
15,179,501

117,495
29,025
113,594－
260,115
48,527(3,951)－(1,585)42,990－303,105
6,106,037

117,495
148,493456,283(6)
722,265
129,548(537)
12,911(8,748)133,174156
855,597
16,035,098

2. Quarterly Consolidated Statement of Income and Consolidated Statement of Comprehensive
Income(1)Quarterly Consolidated Statement of Income(Millions of yen）

Item
Ordinary income
Interest income
Interest on loans and bills discounts
Interest and dividends on securities
Trust fees
Fees and commissions
Trading income
Other ordinary income
Other income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payments
Other business expenses
General and administrative expenses
Other operating expenses
Ordinary profit
Extraordinary income
Gains on disposal of non-current assets
Gain on negative goodwill
Extraordinary losses
Losses on disposal of fixed assets
Losses on reduction of fixed assets
Imparement loss
Loss on step acquisitions
Income before income taxes
Income taxes-current
Income taxes-deferred
Total income taxes
Net income
Net income attributable to non-controlling interests
Net income attributable to owners of the parent(Japanese)
経
常
収
益
資
金
運
用
収
益
（ う ち 貸 出 金 利 息 ）（うち有価証券利息配当金）
信託報酬
役 務 取 引 等 収 益
特
定
取
引
収
益
そ の 他 業 務 収 益
そ の 他 経 常 収 益
経
常
費
用
資
金
調
達
費
用
（ う ち 預 金 利 息 ）役 務 取 引 等 費 用
そ の 他 業 務 費 用
営
業経費
そ の 他 経 常 費 用
経
常
利
益
特
別
利
益
固 定 資 産 処 分 益
負 の の れ ん 発 生 益
特別損
失固 定 資 産 処 分 損
固 定 資 産 圧 縮 損
減損
損
失段 階 取 得 に 係 る 差 損
税金等調整前四半期純利益
法人税、住民税及び事業税
法 人 税 等 調 整 額
法
人
税
等
合
計
四
半
期
純
利
益
非支配株主に帰属する四半期純利益
親会社株主に帰属する四半期純利益

For the 9months ended
Dec.31,2015

78,21056,472
42,064
13,684－
16,418
－
1,389
3,930
55,393
3,685
1,665
4,653
157
41,307
5,588
22,817
－
－
－
124
97
26
－
－
22,692
4,439
3,753
8,192
14,500－14,500For the 9months ended
Dec.31,2016

150,926
87,69961,311
25,71422
23,453
1,301
11,591
26,857108,108
6,864
1,894
6,216
4,021
67,932
23,07242,818119,225
6
119,219
579
226
－
169
184
161,464
12,430(4,169)8,261
153,20228
153,174(Note) Figures are rounded down to the nearest million.

(2)Quarterly Consolidated Statement of Comprehensive Income

四
半
期
純
利
益
そ の 他 の 包 括 利 益
その他有価証券評価差額金
繰 延 ヘ ッ ジ 損 益
退 職 給 付 に 係 る 調 整 額
四 半 期 包 括 利 益
親会社株主に係る四半期包括利益

14,500(3,059)(3,192)(185)
317
11,44011,440For the 9months ended
Dec.31,2016

非支配株主に係る四半期包括利益

－

27

Item
Net income
Other comprehensive income
Unrealized gains on available-for-sale securities
Deferred gains (losses) on hedges
Defined retirement benefit plan
Comprehensive income

Comprehensive income attributable to owners of the parent
Comprehensive income attributable to non-controllinginterests(Millions of yen）
For the 9months ended
Dec.31,2015(Japanese)(Note) Figures are rounded down to the nearest million.

3. Note for the Assumption of Going Concern
Not applicable.

－2－

153,202(1,027)(5,483)
2,535
1,919
152,174
152,147

4. Note for Material Changes in Shareholders' Equity(Millions of yen）
Shareholders’ equity
株主資本

Balance at the beginning ofcurrent period (Note 1)
Changes of items during theperiodChanges due toshare exchange (Note 2)

当第3四半期連結会計
期間末までの変動額

Cash dividends (Note 3)

剰 余 金 の 配 当

Net income attributable toowners of the parent

親 会 社 株 主 に 帰 属 する
四半期純利益（累計）

Purchase of treasury stock

自 己 株 式 の 取 得

Disposal of treasury stock

自 己 株 式 の 処 分

Retirement of treasurystock

自 己 株 式 の 消 却

Changes due to acquiring
equity of consolidated
subsidiaries

連結子会社株式の取得に よ る 持 分 の 増 減

Transfer from land
revaluation excess
Total changes during theperiodBalance at the end of current
period

当

期

首

残

高

株式交換による増減

Capitalstock

CapitalsurplusRetainedearnings

Treasury
stock

Total
shareholders’equity

資本金

資本剰余金

利益剰余金

自己株式

株主資本合計85,11358,57432,382

90,616(1,832)0333,964(21,569)

122,998(9,397)(11,230)

153,174

153,174
(10)

(10)

(0)

25

25

(21,548)

21,548－1,134

土地再評価差額金の取
崩456,082

1,134
91

91

当第3四半期連結会計期間末までの変動額(累計）合計

32,382

89,919122,318

21,563

266,183

当第3四半期連結会計
期
間
末
残
高

117,495

148,493456,283(6)

722,265(Note)
1. “Balance at the beginning of current period” is the balance of Joyo (consolidated) at the beginning of the current fiacal year.
2. “Changes due to share exchange” is an increase by applying the purchase method with Joyo as the acquiring company and Meb(former AHD) as the acquired company, which is the cost of acquisition of the acquired company.
3. Through the share exchange with Joyo on October 1, 2016, AHD's "Retained earnings" was transferred to Mebuki's"Capital surplus". Therefore, 1,832 million yen of cash dividends, whose record date is September 30, 2016, and whose effective
date of distribution is on and after December 2, 2016, is recorded as "Cash dividends" of "Capital surplus".

－3－5. Business Combination

The Business Integration of Ashikaga Holdings Co., Ltd. and the Joyo Bank, Ltd.
Ashikaga Holdings Co., Ltd. (hereinafter referred to as “AHD”) and the Joyo Bank, Ltd. (President:
Kazuyoshi Terakado; hereinafter referred to as “Joyo”) (together, the “Companies”), resolved toconsummate the business integration through a share exchange. At the same time, AHD, Joyo, and The
Ashikaga Bank, Ltd. (hereinafter referred to as “Ashikaga Bank”) entered into a business integrationagreement.
AHD conducted a share exchange which made AHD a wholly owing parent company and Joyo a wholly
owned subsidiary, and changed its trade name to "Mebuki Financial Group, Inc." on October 1, 2016 as theeffective date, after the approval for the share exchange by the ordinary general meeting of shareholdersof both of the Companies held on June 28, 2016, and the approval for the business integration has been
issued by the Financial Services Agency of Japan on September 29, 2016.

(1)Outline of the Business Combination①Name and Business Content of the Acquired Company
Name of the Acquired Company : AHD
Business content: Bank holding company②Main Reasons for the Business Combination
The new financial group established through the integration of the Companies will aim to maintainand promote the relationships with customers and the deep understanding of the local communities
that Joyo and Ashikaga Bank have developed over the years, and to realize the advancement ofcomprehensive financial services and operational efficiencies by taking advantage of the wide area
network and other connections formed through the Business Integration.
Through the above-mentioned efforts, the Companies will provide more convenient and high-quality
comprehensive financial services that can be achieved only through the integration of leading regionalbanks. In addition, the Companies will aim to become a group that is highly evaluated by eachstakeholder through the achievement of persistent growth as a driving force of regional development
and revitalization, the improvement of corporate value in response to the expectations of shareholders
and markets, and the expansion of the opportunities for officers and employees to play an active partand enhance their pride and enjoyment in their duties. Furthermore, the Companies will aim tobecome a financial group that is open to other regional financial institutions who share the corporate
ideals with each other.
③Date of the Business Combination
October 1, 2016
④Legal Form of the Business Combination
Share exchange, under which AHD became the wholly owing parent company, and Joyo became thewholly owned subsidiary.
⑤Name of the Company after the Business Combination
Mebuki Financial Group, Inc.
⑥Voting rights acquired
Voting right ratio before the share exchange
Acquired voting right ratio on the date of the business combination
Voting right ratio after the share exchange

0.39%
99.61%
100.00%⑦Reason for determining the acquiring company
By applying “Accounting Standard for Business Combinations (ASBJ Statement No.21) and the
Guidance on Accounting Standard for Business Combinations and Accounting Standard for Business
Divestitures (ASBJ Guidance No.10), it is decided that Joyo be the acquiring company and AHD be theacquired company, mainly because shareholders of Joyo, a wholly owned subsidiary, will have thelargest percentage of voting rights of the integrated company.

－4－

(2)Period of the business results of the acquired entity included in the consolidated financial statements
From October 1, 2016 to December 31, 2016(3)Cost of the acquisition of the acquired company and breakdown of the consideration
Market value of AHD common shares held by Joyo immediately before
the date of the business combination
Market value of Joyo common shares as if to be issued by Joyo on
the date of the business combination
Cost of acquisition￥464 million￥122,998 million￥123,463 million(4)Exchange Ratio by type of shares and methods of calculating the share exchange ratio and number ofshares allotted①Exchange Ratio by type of shares
Joyo shareholders receive 1.17 shares of Mebuki Financial Group, Inc. common stock for eachshare of Joyo common stock.
②Methods of calculating the share exchange ratio
To ensure fairness of calculation of the share exchange ratio, Companies appointed third party
valuation institutions independent of both parties. Joyo has appointed Mitsubishi UFJ Morgan Stanley
Securities Co., Ltd. for its third party valuation and AHD has appointed Pricewaterhouse Coopers for
its third party valuation. Based on the analysis results, Companies have carefully consulted andconsidered matters, and have reached the conclusion that the above common share exchange ratio is
appropriate for the business integration.
③Number of Shares Delivered
Common Shares 845,805,218 shares(5) Amount of the difference between the total cost of each transaction and the acquisition cost of
the acquired company
Loss on step acquisitions ￥184 million(6)Amount and cause of gain on negative goodwill①Amount of gain on negative goodwill￥119,219 million②Cause of gain on negative goodwill
Gain on negative goodwill was recognized because the fair value of AHD's net assets at the time of
the business combination exceeded the acquision cost.

6. Significant Subsequent event
Not applicable.

－5－

Ⅱ 【Reference】Quartely Non-consolidated Financial Information of the main consolidated subsidiaries
1. Quarterly Non-consolidated Financial Information of The Joyo Bank, Ltd.
(1)Financial Highlights (from April 1, 2016 to December 31, 2016)(%: Changes from the corresponding period of the previous fiscal year)①Non-consolidated Operating Results
Ordinary Income
Third quarter
Ended December 31, 2016
Ended December 31, 2015

¥Million

108,916
102,420

Ordinary Profit¥Million

％

6.3
1.0

33,97832,737②Non-consolidated Financial Conditions
Third quarter
Ended December 31, 2016
Fiscal year 2015

Total Assets

Net Assets¥Million¥Million

9,565,940
9,236,391

590,854580,932

Net Income
％

3.7
4.8

¥Million

23,69822,314

Capital Assets to
Total Assets
％

6.1
6.2

(Reference) Capital assets
Third quarter of FY2016: ¥590,854million
FY2015: ¥580,799 million(Note) “Capital assets to total assets” represents (“Net assets”-“Equity warrants”) / “Total assets” at the end of each period.
The ratio above is not the one based on the regulation of Capital Adequacy Ratio.

－6－

％

6.2
8.2

（2) Non-consolidated Balance Sheet （The Joyo Bank, Ltd.)
Item
AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading assets
Securities
Loans and bills discounted
Foreign exchanges
Other assets
Tangible fixed assets
Intangible fixed assets
Asset for retirement benefits
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Reserve for devaluation of investment securities
Total Assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills soldPayables under securities lending transactions
Trading liabilities
Borrowed money
Foreign Exchanges
Bonds
Bonds with warrant attached
Due to trust account
Other liabilities
Income tax payable
Lease obligations
Other liabilities
Provision for directors' bonuses
Liability for retirement benefits
Provision for reimbursement of deposits
Provision for point card certificates
Provision for contingent loss
Deferred tax liabilities
Deferred tax liabilities for land revaluation
Acceptances and guarantees
Total liabilities(Millions of yen）

(Japanese)
現(資産の部)
金
預
け

金

コ
買

ー
入

ル
金

ー
債

ン
権

特
有

定

取
価

引 資
証

産
券

貸
外
そ
有
無
前

為
の
他
資
形 固 定 資形 固 定 資払 年 金 費

金
替
産
産
産
用

支
貸

払 承 諾 見倒
引
当返
金

投 資 損 失 引 当
資 産 の 部 合(負債の部)
預
譲
渡
性
預

金
計

ロ
銭

出
国

金
金

コ ー ル マ ネ ー
債券貸借取引受入担保金
特 定 取 引 負 債
借
用
金
外
国
為
替
社
債
新 株 予 約 権 付 社 債
信
託
勘
定
借
そ
の
他
負
債
( 未 払 法 人 税 等 )( リ ー ス 債 務 )( そ の 他 の 負 債 )役 員 賞 与 引 当 金
退 職 給 付 引 当 金
睡眠預金払戻損失引当金
ポ イ ン ト 引 当 金
偶 発 損 失 引 当 金
繰 延 税 金 負 債再評価に係る繰延税金負債支払承諾
負 債 の 部 合 計－7－

As of Mar.31,
2016

As of Dec. 31,
2016442,654
2,000
9,977
5,918
2,739,570
5,912,707
4,241
36,51586,5209,456
7,825
14,728(35,715)(9)9,236,391

759,476
12,2058,448
4,001
2,618,668
5,967,630
2,634
74,793
86,122
9,704
7,378
49,173(34,286)(9)9,565,940

8,103,353
39,53945,560130,247895
164,751886
15,00033,80413
50,212
6,707
3,009
40,496
46
7,355
2,354
112
1,045
36,706
8,846
14,7288,655,459

8,148,132
123,692
81,312
138,573576
313,191297
15,000―2
48,8361,024
3,374
44,437
―
8,112
2,261
122
1,090
35,903
8,805
49,173
8,975,086

(Millions of yen）

Item

(Japanese)(純資産の部)
Net assets
資本
金Capital stock
資
本
剰
余
金
Capital surplus
資
本
準
備
金
Legal capital surplus
利
益
剰
余
金
Retained earnings
利
益
準
備
金
Legal retained earnings
そ の 他 利 益 剰 余 金
Other retained earnings
Reserve for advanced depreciation of non-current assets ( 固 定 資 産 圧 縮 積 立 金 )( 別 途 積 立 金 )General Reserve( 繰 越 利 益 剰 余 金 )Retained earnings brought forward
自己株式
Treasury stock
株 主 資 本 合 計
Total shareholders’ equity
その他有価証券評価差額金
Unrealized gains on available-for-sale securities繰 延 ヘ ッ ジ 損 益
Deferred gains (losses) on hedges
土 地 評 価 差 額 金Land revaluation excess, net of taxes
評価・換算差額等合計
Total valuation and translation adjustments
新
株
予
約
権
Equity warrants
純 資 産 の 部 合 計
Total net assets
負債及び純資産の部合計
Total liabilities and net assets(3)Non-Consolidated Statement of Income （The Joyo Bank, Ltd.)
Item
Ordinary income
Interest income
Interest on loans and bills discounts
Interest and dividends on securities
Trust fees
Fees and commissions
Trading income
Other ordinary income
Other income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payments
Other business expenses
General and administrative expenses
Other operating expenses
Ordinary profit
Extraordinary income
Extraordinary losses
Income before income taxes
Income taxes-current
Income taxes-deferred
Total income taxes
Net income(Japanese)
経常収
益
資 金 運 用 収 益( う ち 貸 出 金 利 息 ）（うち有価証券利息配当金）
信託報酬
役 務 取 引 等 収 益
特 定 取 引 収 益
そ の 他 業 務 収 益
そ の 他 経 常 収 益
経
常費用
資 金 調 達 費 用（ う ち 預 金 利 息 ）役 務 取 引 等 費 用
そ の 他 業 務 費 用
営
業経費
そ の 他 経 常 費 用
経
常
利
益
特
別
利
益
特
別
損
失
税 引 前 四 半 期 純 利 益
法人税、住民税及び事業税
法 人 税 等 調 整 額
法 人 税 等 合 計
四 半 期 純 利 益－8－As of Mar.31,
2016

As of Dec. 31,
201685,11358,57458,574
315,71755,317
260,400
904
217,432
42,064(21,963)
437,441
134,985(3,073)
11,445
143,357132
580,932
9,236,391

85,11358,57458,574
307,518
55,317
252,201
891
222,432
28,878―451,205
128,868(573)
11,354
139,648―590,854
9,565,940(Millions of yen）
For the 9months ended
Dec.31,2015

102,420
73,42849,871
23,01725
17,351
599
3,826
7,188
69,683
4,876
2,031
5,229
881
52,3406,355
32,73783
476
32,343
10,123(93)
10,02922,314

For the 9months ended
Dec.31,2016

108,916
70,41648,012
21,86822
16,304305
11,354
10,51274,937
5,775
1,637
5,401
3,128
54,718
5,913
33,9786371
33,613
9,063
851
9,914
23,698

2. Quarterly Non-consolidated Financial Information of The Ashikaga Bank, Ltd.
(1)Financial Highlights (from April 1, 2016 to December 31, 2016)(%: Changes from the corresponding period of the previous fiscal year)①Non-consolidated Operating Results
Ordinary Income
Third quarter
Ended December 31, 2016
Ended December 31, 2015

¥Million

73,18976,043

Ordinary Profit¥Million

％

(3.7)
8.8

27,376
31,368②Non-consolidated Financial Conditions
Third quarter
Ended December 31, 2016
Fiscal year 2015

Total Assets

Net Assets¥Million¥Million

6,543,374
6,098,844

317,365
311,924Net Income％(12.7)
28.7¥Million

23,31022,153

Capital Assets to
Total Assets
％

4.8
5.1

(Reference) Capital assets
Third quarter of FY2016: ¥317,365 million
FY2015: ¥311,924 million(Note) “Capital assets to total assets” represents (“Net assets”-“Equity warrants”) / “Total assets” at the end of each period.
The ratio above is not the one based on the regulation of Capital Adequacy Ratio.

－9－

％

5.2
23.1

（2) Non-consolidated Balance Sheet (The Ashikaga Bank, Ltd.)
Item
AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading account securities
Securities
Loans and bills discounted
Foreign exchanges
Other assets
Tangible fixed assets
Intangible fixed assets
Asset for retirement benefits
Deferred tax Assets
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Total Assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills soldPayables under securities lending transactions
Borrowed money
Foreign Exchanges
Other liabilities
Income tax payable
Lease obligations
Asset retirement obligations
Other liabilities
Provision for directors' bonuses
Provision for directors' retirement benefits
Provision for reimbursement of deposits
Provision for contingent loss
Provision for point card certificatesDeferred tax liabilities
Acceptances and guarantees
Total liabilities
Net assets
Capital stock
Retained earnings
Legal retained earnings
Other retained earnings
Retained earnings brought forward
Total shareholders’ equity
Unrealized gains on available-for-sale securities
Deferred gains (losses) on hedges
Total valuation and translation adjustments
Total net assets
Total liabilities and net assets(Millions of yen）

(Japanese)
現金(資産の部)
預
け

金

コ
買

ー
入

ル
金

ー
債

ン
権

商
有

品

有
価

価 証
証

券
券

貸
外
そ
有
無
前
繰
支

為
の
他
資
形 固 定 資形 固 定 資払 年 金 費
延 税 金 資払 承 諾 見

金
替
産
産
産
用
産
返

貸
資

倒
引
当
産 の 部 合

金
計

ロ
銭

出
国

As of Mar. 31,
2016

As of Dec. 31,
2016437,507
414
7,627
3,596
1,325,749
4,274,437
4,377
24,91625,2752,569
12,786－
12,913(33,328)
6,098,844

728,283
2,975
7,641
3,056
1,457,097
4,289,223
4,114
26,751
26,3592,502
14,64650
13,174(32,504)
6,543,374

5,224,561
224,878
78,00025,263
181,726282
30,4261,990
17544
27,874
25
132
858
464
90
7,296
12,913
5,786,919

5,266,922
272,772
220,627
203,079
218,192398
29,503708
13－28,781
35
－
760
483
56
－
13,1746,226,009

135,000
129,428
17,694
111,733
111,733
264,428
51,447(3,951)47,495
311,924
6,098,844

135,000
142,231
20,107122,123
122,123
277,231
40,09835
40,134
317,365
6,543,374(負債の部)
預

金

譲
渡
性
預
金
コ ー ル マ ネ ー
債券貸借取引受入担保金
借
用
金
外
国
為
替
そ
の
他
負
債
( 未 払 法 人 税 等 )( リ ー ス 債 務 )( 資 産 除 去 債 務 )( そ の 他 の 負 債 )役 員 賞 与 引 当 金役 員 退 職 慰 労 引 当 金
睡眠預金払戻損失引当金
偶 発 損 失 引 当 金
ポ イ ン ト 引 当 金
繰 延 税 金 負 債支払承諾
負 債 の 部 合 計(純資産の部)
資
本
金
利
益
剰
余
金
利
益
準
備
金
そ の 他 利 益 剰 余 金( 繰 越 利 益 剰 余 金 )株 主 資 本 合 計
その他有価証券評価差額金
繰 延 ヘ ッ ジ 損 益
評価・換算差額等合計
純 資 産 の 部 合 計
負債及び純資産の部合計－ 10 －

(3)Non-Consolidated Statement of Income(The Ashikaga Bank, Ltd.)
Item
Ordinary income
Interest income
Interest on loans and discounts
Interest and dividends on securities
Fees and commissions
Other ordinary income
Other income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payments
Other business expenses
General and administrative expenses
Other operating expenses
Ordinary profit
Extraordinary losses
Income before income taxes
Income taxes-current
Income taxes-deferred
Total income taxes
Net income(Millions of yen）
For the 9months ended
Dec.31,2015(Japanese)
経
資

金

常
運

収
用 収

益
益

( う ち 貸 出 金 利 息 ）（うち有価証券利息配当金）
役 務 取 引 等 収 益
そ の 他 業 務 収 益
そ の 他 経 常 収 益
経
常費用
資 金 調 達 費 用（ う ち 預 金 利 息 ）役 務 取 引 等 費 用
そ の 他 業 務 費 用
営
業経費
そ の 他 経 常 費 用
経
常
利
益
特
別
損
失
税 引 前 四 半 期 純 利 益
法人税、住民税及び事業税
法 人 税 等 調 整 額
法 人 税 等 合 計
四 半 期 純 利 益－ 11 －

76,04354,81940,421
13,684
15,667
1,183
4,372
44,675
2,617
1,667
4,740
65
35,3981,854
31,368124
31,244
8,009
1,080
9,090
22,153For the 9months ended
Dec.31,2016

73,18953,47638,515
14,57014,696
1,460
3,556
45,813
2,325
903
5,063
281
34,6983,443
27,37668
27,3086,808(2,810)3,998
23,310Ⅲ Financial Data for the Third Quarter of Fiscal Year 2016 ending March 31, 2017
1. Income Status【Mebuki Financial Group, Inc. (Consolidated basis) 】(Millions of yen）

(Forecast)
FY2016(Japanese)

Consolidated gross profit
連
結
粗
利
益
Net interest income
資金利益Net fees and commissions
役 務 取 引 等 利 益
Net trading income
特
定
取
引
利
益
Net other business income
そ の 他 業 務 利 益
General and administrative expenses
営
業
経
費
Credit related costs
与
信
関
係
費
用
Write-off of loans
貸
出
金
償
却
Transfer to specific allowance for loan losses 個 別 貸 倒 引 当 金 繰 入 額
Transfer to general allowance for loan losses 一 般 貸 倒 引 当 金 繰 入 額
Other credit related costs
そ の 他 の 与 信 関 係 費 用
Gains/losses related to stocks, etc.
株 式 等 関 係 損 益
Equity in gains (losses) of affiliated companies
持 分 法 に よ る 投 資 損 益
Othersその他
Ordinary profit
経常利益Extraordinary income(losses)
特別損益Income before income taxes
税 金 等 調 整 前 四 半 期 純 利 益
Income taxes-current
法人税、住民税及び事業税
Income taxes-deferred
法 人 税 等 調 整 額
Total income taxes
法
人
税
等
合
計
Net income
四
半
期
純
利
益
Net income attributable to noncontrolling interests 非支配株主に帰属する四半期純利益
Net income attributable to owners of the parent

親会社株主に帰属する四半期純利益

53,000155,000

For the 9months ended
Dec.31, 2016

(A)(A)-(B)
106,965
80,834
17,2591,301
7,570
67,932
3,553
2,309
3,133
(791)
(1,098)7,109－
229
42,818
118,645
161,464
12,430(4,169)8,261
153,20228
153,174

For the 9months ended
Dec.31 2015

(Reference)
FY2015(B)(Note) 1. Consolidated gross business profit=(Interest income－Interest expenses)+(Fees and commissions income+Trust Fee－Fees and commissions
expenses)+(Trading income－Trading expenses)+(Other business income－Other business expenses)
2. Mebuki Financial Group, Inc. (“Mebuki”) and The Joyo Bank, Ltd. (“Joyo”) executed the share exchange which made Mebuki a wholly-owning company and
Joyo a wholly-owned company on October 1, 2016. The share exchange corresponds to a reverse acquisition under the Accounting Standard for Business
Combination, and the purchase method under which Joyo is an acquiring company is applied to the transaction. Due to a gain on negative goodwill from thebusiness integration, 119 billion yen of extraordinary income is recognized. Consolidated financial results for the third quarter are composed of theconsolidated results of Joyo from April 1, 2016 to September 30, 2016 and of Mebuki from October 1, 2016 to December 31, 2016.
2. Since the financial results have substantially changed compared with those of FY2015 due to the business combination on Octber 1, 2016, figures of thecorresponding period and full-year figures of the previous fiscal year are not shown.
(注)1．連結粗利益＝（資金運用収益－資金調達費用）＋（役務取引等収益＋信託報酬－役務取引等費用）＋（特定取引収益－特定取引費用）＋（その他業務収益－その他業務費用）
2．平成28年10月1日付で、当社を株式交換完全親会社、株式会社常陽銀行を株式交換完全子会社とする株式交換を行いました。本株式交換は、企業結合会計上逆取得に該当し、株式会社常陽銀行を取得企業とするパーチェス法の適用により、「負ののれん発生益」として1,192億円を特別利益に計上しております。なお、当社の第3四半期累計期間（平成28年4月１日～平成28年12月31日）の業績は、株式会社常陽銀行の上期（平成28年4月1日～9月30日）6カ月分の連結業績に、株式交換後の当社グループの第3四半期（平成28年10月１日～12月31日）3カ月分の連結業績を合算した金額となっております。
3．当社は、平成28年10月1日の経営統合により連続性がなくなったため、前年同期および前年度の計数は記載しておりません。

Reference(Millions of yen）
For the 9 months
ended Dec.31, 2016

(Japanese)
Consolidated net business income(before general allowance for loan losses)

Consolidated net business income(A)(A)-(B)連 結 業 務 純 益 （ 一 般 貸 引 繰 入 前 ）41,826

連42,617

結

業

務

純

益

For the 9months ended
Dec.31 2015

(Reference)
FY2015(B)(Note) 1. Consolidated net business income= Consolidated gross profit － General and administrative expenses(excluding non-recurrent expense)－Transfer to general allowance for loan losses
2. Since the financial results have substantially changed compared with those of FY2015 due to the business combination on Octber 1, 2016, figures of thecorresponding period and full-year figures of the previous fiscal year are not shown.
（注）1.連結業務純益＝連結粗利益－営業経費（除く臨時費用分）－一般貸倒引当金繰入額
2. 当社は、平成28年10月1日の経営統合により連続性がなくなたため、前年同期および前年度の計数は記載しておりません。

Number of Consolidated Companies

As ofDec. 31, 2016

(Japanese)

Number of Consolidated Subsidiaries

Number of affiliated companies applicableto the equity method

(A)
連
持

結
分

法

子

会

適

用

社
会

社

数

14

数

－

(A)-(B)(Number of companies)
As ofDec. 31, 2015

(B)

(Reference)
As of
Mar 31,2016(Note) Since the financial results have substantially changed compared with those of FY2015 due to the business combination on Octber 1, 2016, figures at the end of
December 2015 and March 2016 are not shown.
(注）
当社は、平成28年10月1日の経営統合により連続性がなくなったため、平成27年12月末および平成28年3月末の計数は記載しておりません。

－ 12 －

【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】(Millions of yen）
For the 9months ended
Dec.31, 2016

(Japanese)
Gross business profit

業

務

粗

利

益

Net interest income

資Net fees and commissions

役

務

取

引

等

利

益

Net trading income

特

定

取

引

等

利

益

Net other business income

そ

の

他

業

務

利

益

(Of which, gains/losses on bond transactions)(うち国債等債券損益(5勘定尻)Expenses (excluding non-recurrent expense)

金

利

益

経 費 ( 除 く 臨 時 処 理 分 )Personnel expenses

人

件

費

Non-personnel expenses

物

件

費

Taxes

税

金

(A)
(A)-(B)
146,060(2,431)
115,791(4,963)
20,558(2,516)
305
(293)
9,404
5,341
9,432
7,027
86,337
179
45,42384
34,880
(779)
6,033
874

For the 9months ended
Dec.31 2015

(Reference)
FY2015(B)
148,492
120,754
23,075
599
4,063
2,404
86,15845,33835,6605,159

195,881
157,971
30,427
767
6,714
8,493
115,303
60,32748,440
6,536

Net business income(before general allowance for loan losses)

業務純益(一般貸引繰入前)

59,723(2,611)

62,33480,577(excluding gains/losses on bond transactions)(除く国債等債券損益(5勘定尻))Net transfer to general allowance for loan losses①

一般貸倒引当金繰入額①

Net business income

業

務

純

益

Net non-recurrent gains/losses

臨

時

損

益

(9,639)(2,890)278(3,028)
3,503(1,122)
4,283
54
53
(204)
(178)
(148)
2,619
(2,144)(2,750)84(2,665)(2,261)(2,945)(5,206)2,540

59,930317
62,017
2,088
3,490
2,931
1,891
5
15
204
1,749
600
7,040
(1,462)64,105(517)
63,587
18,133986
19,11944,46872,083(685)
81,262
1,304
5,207
4,811
3,486
18
(113)
1,284
2,318
606
7,261
(749)
82,567(1,038)81,52923,001(105)
22,89558,633

613

3,807

4,522

Ordinary profit

経

常

利

益

Extraordinary income/losses

特

別

損

益

Income before income taxes

税 引 前 四 半 期 純 利 益

Income taxes-current

法人税、住民税及び事業税

Income taxes-deferred

法

人

整

額

Total income taxes

法

人

税

等

合

計

Net Income

四

半

期

純

利

益

50,291(2,572)62,295
(940)
6,993
1,808
6,175
59
68
－
1,571
452
9,660
(3,607)61,355(433)
60,922
15,871(1,958)13,91347,009Credit related costs (①＋②)

与 信 関 係 費 用 （ ① + ② ）4,420

Disposal of non-performing loans②

不 良 債 権 処 理 額 ②

Write-off of loans

貸Transfer to specific allowance for loan losses

個 別 貸 倒 引 当 金 繰 入 額

Losses on sales of loans

貸Transfer to provision for contingent losses

偶 発 損 失 引 当 金 繰 入 額

Reversal of allowance for loan losses

貸 倒 引 当 金 戻 入 益

Recoveries of written-off claims

償

Other

そ

出
出

却

金
金

債

償
売

権

却

却

損

取

立

益

の

他

Gains/losses related to stocks, etc.

株

式

等

関

係

損

益

Other non-recuurrent gains/losses

そ

の

他

臨

時

損

益

税

等

調

－ 13 －

【The Joyo Bank, Ltd. (Non-consolidated basis)】(Millions of yen）
For the 9months ended
Dec.31, 2016

(Japanese)
Gross business profit

業

務

粗

利

益

Net interest income

資Net fees and commissions

役

務

取

引

等

利

益

Net trading income

特

定

取

引

等

利

益

Net other business income

そ

の

他

業

務

利

益

(Of which, gains/losses on bond transactions)(うち国債等債券損益(5勘定尻)Expenses (excluding non-recurrent expense)

金

利

益

経 費 ( 除 く 臨 時 処 理 分 )Personnel expenses

人

件

費

Non-personnel expenses

物

件

費

Taxes

税

金

(A)
(A)-(B)
84,098(146)
64,640(3,911)
10,925(1,222)
305
(293)
8,226
5,281
8,942
7,391
51,667415
26,262
17
21,904
(16)
3,499
414

For the 9months ended
Dec.31 2015

(Reference)
FY2015(B)
84,24468,552
12,148
599
2,944
1,551
51,251
26,24521,9203,084

111,51089,847
15,488
767
5,406
7,634
68,24834,931
29,585
3,731

Net business income(before general allowance for loan losses)

業務純益(一般貸引繰入前)

32,431(561)

32,99243,262(excluding gains/losses on bond transactions)(除く国債等債券損益(5勘定尻))Net transfer to general allowance for loan losses①

一般貸倒引当金繰入額①

Net business income

業

務

純

益

Net non-recurrent gains/losses

臨

時

損

益

(7,953)(1,291)
729
512
(46)
(1,115)
989
56
62
－
(108)
(148)
3,161
(2,695)
1,241
28
1,269
(1,060)
945
(115)
1,384

31,441317
32,675
61
3,566
2,447
1,891
2
(13)
－
1,362
600
4,529
(901)
32,737(393)
32,343
10,123(93)
10,02922,31435,627(685)
43,947(1,230)
5,472
3,259
3,486
10
(81)
－
1,809
606
4,742
(501)
42,717(654)
42,062
12,532
1,755
14,28827,774(1,337)

3,883

4,786

Disposal of non-performing loans②

整

額

等

合

計

純

利

益

23,488(973)
33,404
573
3,519
1,331
2,881
59
49
－
1,254
452
7,690
(3,597)33,978(364)
33,613
9,063
851
9,914
23,698与 信 関 係 費 用 （ ① + ② ）2,545

不 良 債 権 処 理 額 ②

Write-off of loans

貸Transfer to specific allowance for loan losses

個 別 貸 倒 引 当 金 繰 入 額

Losses on sales of loans

貸Transfer to provision for contingent losses

偶 発 損 失 引 当 金 繰 入 額

Reversal of allowance for loan losses

貸 倒 引 当 金 戻 入 益

Recoveries of written-off claims

償

Other

そ

出
出

却

金
金

債

償
売

権

却

却

損

取

立

益

の

他

Gains/losses related to stocks, etc.

株

式

等

関

係

損

益

Other non-recuurrent gains/losses

そ

の

他

臨

時

損

益

Ordinary profit

経

常

利

益

Extraordinary income/losses

特

別

損

益

Income before income taxes

税 引 前 四 半 期 純 利 益

Income taxes-current

法人税、住民税及び事業税

Income taxes-deferred

法人

Total income taxes

法

人

税

Net Income

四

半

期

Credit related costs (①＋②)

税

等

調

－ 14 －

【The Ashikaga Bank, Ltd. (Non-consolidated basis)】(Millions of yen）
For the 9months ended
Dec.31, 2016

(Japanese)
Gross business profit

業

務

粗

利

益

Net interest income

資Net fees and commissions役

Net trading income

特

定

取

引

Net other business income

そ

の

他

業

(Of which, gains/losses on bond transactions)(うち国債等債券損益(5勘定尻)Expenses (excluding non-recurrent expense)

金
務

取

利
引

益

等

利

益

等

利

益

務

利

益

経 費 ( 除 く 臨 時 処 理 分 )Personnel expenses

人

件

費

Non-personnel expenses

物

件

費

Taxes

税

金

(A)
(A)-(B)
61,962(2,285)
51,150(1,051)
9,633(1,294)
－
－
1,178
60
489
(363)
34,670(236)
19,16067
12,975
(763)
2,533
459

For the 9months ended
Dec.31 2015

(Reference)
FY2015(B)
64,24852,202
10,927－
1,118
853
34,906
19,093
13,7392,074

84,37068,124
14,939－1,307
859
47,05525,396
18,854
2,804

Net business income(before general allowance for loan losses)

業務純益(一般貸引繰入前)

27,292(2,049)29,341

37,315(excluding gains/losses on bond transactions)(除く国債等債券損益(5勘定尻))Net transfer to general allowance for loan losses①

一般貸倒引当金繰入額①

Net business income

業

務

純

益

Net non-recurrent gains/losses

臨

時

損

益

(1,685)(1,599)(450)(3,540)
3,550
(7)
3,294
(2)
(9)
(204)
(70)
－
(541)
551
(3,991)55(3,935)(1,200)(3,890)(5,091)
1,156

28,488－29,341
2,026
(76)
484
－
2
29
204
387
－
2,511
(560)
31,368(124)
31,244
8,009
1,080
9,090
22,15336,455－37,315
2,535
(264)
1,552
－
7
(31)
1,284
508
－
2,519
(248)
39,850(383)
39,466
10,468(1,861)
8,607
30,859

1,951

(76)

(264)

Disposal of non-performing loans②

整

額

等

合

計

純

利

益

26,802(1,599)28,891(1,514)
3,473
476
3,294
0
19
－
317
－
1,969
(9)
27,376(68)
27,3086,808(2,810)3,998
23,310与 信 関 係 費 用 （ ① + ② ）1,874

不 良 債 権 処 理 額 ②

Write-off of loans

貸Transfer to specific allowance for loan losses

個 別 貸 倒 引 当 金 繰 入 額

Losses on sales of loans

貸Transfer to provision for contingent losses

偶 発 損 失 引 当 金 繰 入 額

Reversal of allowance for loan losses

貸 倒 引 当 金 戻 入 益

Recoveries of written-off claims

償

Other

そ

出
出

却

金
金

債

償
売

権

却

却

損

取

立

益

の

他

Gains/losses related to stocks, etc.

株

式

等

関

係

損

益

Other non-recuurrent gains/losses

そ

の

他

臨

時

損

益

Ordinary profit

経

常

利

益

Extraordinary income/losses

特

別

損

益

Income before income taxes

税 引 前 四 半 期 純 利 益

Income taxes-current

法人税、住民税及び事業税

Income taxes-deferred

法人

Total income taxes

法

人

税

Net Income

四

半

期

Credit related costs (①＋②)

税

等

調

－ 15 －

2. Interest Rate Spread (Domestic operations)【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】(％）
For the 9months ended
Dec.31, 2016

(Japanese)
Average yield on interest earning assets ①

資金

Average yield on loans and bills discounted

貸出Average yield on securities

有

価

証

資

金

調

Average yield on deposits and negotiable certificates of deposit

預

金

Average yield on call money and borrowed money

外

部

総

資

Average yield on interest bearing liabilities ②

Average interest rate spread (①－②)

運

用

利

回

利

回

券

利

回

達

原

価

金

等
負

利

回

利

回

利

鞘

債
金

【The Joyo Bank, Ltd. (Non-consolidated basis)】

資金Average yield on loans and bills discounted

貸出Average yield on securities

有

価

証

資

金

調

Average yield on interest bearing liabilities ②

運

Average yield on deposits and negotiable certificates of deposit

預

金

Average yield on call money and borrowed money

外

部

総

資

Average interest rate spread (①－②)

用

利

回

利

回

券

利

回

達

原

価

金

等
負

利

回

利

回

利

鞘

債
金

【The Ashikaga Bank, Ltd. (Non-consolidated basis)】

資

金

運

貸

出

Average yield on securities

有

価

証
調

資

金

Average yield on deposits and negotiable certificates of deposit

預

金

Average yield on call money and borrowed money

外

部

総

資

Average interest rate spread (①－②)(A)-(B)(0.07)(0.09)(0.09)(0.06)(0.02)(0.10)(0.01)

(B)

1.13
1.21
1.26
0.87
0.03
0.10
0.26
(％）

For the 9months ended
Dec.31 2015

(B)

1.07
1.15
1.09
0.88
0.02
0.10
0.19
(％）

Average yield on loans and bills discounted
Average yield on interest bearing liabilities ②

(A)
1.00
1.06
1.00
0.82
0.00
0.00
0.18

For the 9months ended
Dec.31, 2016

(Japanese)
Average yield on interest earning assets ①(A)-(B)(0.07)(0.09)(0.12)(0.06)(0.02)(0.10)(0.01)For the 9months ended
Dec.31, 2016

(Japanese)
Average yield on interest earning assets ①

(A)
1.06
1.12
1.14
0.81
0.01
0.00
0.25

For the 9months ended
Dec.31 2015

用
金
券
達
等

負

債
金

－ 16 －

利

回

利

回

利

回

原

価

利

回

利

回

利

鞘

(A)
1.14
1.20
1.42
0.78
0.02
0.00
0.36

(A)-(B)(0.07)(0.09)(0.23)(0.07)(0.02)(0.09)
0.00

For the 9months ended
Dec.31 2015

(B)

1.21
1.29
1.65
0.85
0.04
0.09
0.36

3. Gains and Losses on Securities(1) Gains and losses on bond transactions【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】(Millions of yen）
For the 9months ended
Dec.31, 2016

(Japanese)
Gains/losses on bond transactions
Gains on sales

Gains on redemption
Losses on sales

Losses on redemption
Write-offs

国 債 等 債 券 損 益
売

却

益

償

還

益

売

却

損

償

還

損

償

却

(A)
9,432
11,473
48
2,089
－
－

(A)-(B)
7,027
8,283
(89)
1,207
－
(41)

For the 9months ended
Dec.31 2015

(B)
2,404
3,189
137
881
－
41

【The Joyo Bank, Ltd. (Non-consolidated basis)】

Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Write-offs

国 債 等 債 券 損 益
売

却

益

償

還

益

売

却

損

償

還

損

償

却

(A)
8,942
10,702
48
1,807
－
－

(A)-(B)
7,391
8,407
(89)
925
－
－

For the 9months ended
Dec.31 2015

(B)
1,551
2,294
137
881
－
－

【The Ashikaga Bank, Ltd. (Non-consolidated basis)】

Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Write-offs(Reference)
FY2015

7,634
8,376
139
881
－
－

(Millions of yen）
For the 9months ended
Dec.31, 2016

(Japanese)
Gains/losses on bond transactions

8,493
9,271
139
881
－
36

(Millions of yen）
For the 9months ended
Dec.31, 2016

(Japanese)
Gains/losses on bond transactions(Reference)
FY2015(A)

国 債 等 債 券 損 益
売

却

益

償

還

益

売

却

損

償

還

損

償

却

489
771
－
281
－
－

(A)-(B)
(363)
(123)
－
281
－
(41)

(Reference)
FY2015For the 9months ended
Dec.31 2015

(B)

853
894
－
0
－
41

859
895
－
0
－
36

(2)Gains and losses related to stocks, etc.

【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】(Millions of yen）
For the 9months ended
Dec.31, 2016

(Japanese)

Gains/losses related to stocks, etc.
Gains on sales
Losses on sales
Write-offs

株 式 等 関 係 損 益
売

却

益

売

却

損

償

却

【The Joyo Bank, Ltd. (Non-consolidated basis)】

株 式 等 関 係 損 益
売

却

益

売

却

損

償

却

【The Ashikaga Bank, Ltd. (Non-consolidated basis)】

(B)
7,040
8,741
1,691
8

7,261
8,980
1,691
26

(A)-(B)
3,161
3,376
156
58

For the 9months ended
Dec.31 2015

(B)
4,529
5,240
711
－

(Reference)
FY2015

4,742
5,471
711
17

(Millions of yen）

株 式 等 関 係 損 益
売

却

益

売

却

損

償

(A)
7,690
8,617
868
58

For the 9months ended
Dec.31, 2016

(Japanese)

Gains/losses related to stocks, etc.
Gains on sales
Losses on sales
Write-offs(A)-(B)
2,619
2,782
99
63

(Reference)
FY2015(Millions of yen）
For the 9months ended
Dec.31, 2016

(Japanese)

Gains/losses related to stocks, etc.
Gains on sales
Losses on sales
Write-offs

(A)
9,660
11,523
1,791
71

For the 9months ended
Dec.31 2015

却

－ 17 －

(A)
1,969
2,906
923
13

(A)-(B)
(541)
(593)
(57)
5

For the 9months ended
Dec.31 2015

(B)
2,511
3,500
980
8

(Reference)
FY2015

2,519
3,508
980
8

4． Unrealized Valuation Gains (Losses)【Mebuki Financial Group, Inc. (Consolidated basis) 】

Held-to-maturity
Bonds
OthersAvailable-for-sale
Stocks
Bonds
Others
Total
Stocks
Bonds
Others

満期保有目的債
券
その他
その他有価証券
株
式
債
券
そ
の
他
合
計
株
式
債
券
そ
の
他

(Millions of yen）

As of Dec.31, 2016
Unrealized valuation gains (losses)
Carrying
Valuation
Ammount
(A)
(A-B)
gains
132,970(497)
431
132,970
(497)
431
－
－
－
3,914,278
183,937
217,303305,838
145,464
145,9712,240,540
25,21329,535
1,367,899
13,25941,796
4,047,249
183,440
217,735
305,838
145,464
145,971
2,373,511
24,71629,967
1,367,899
13,25941,796

Carrying
Valuation
Ammount
losses929
929－
33,366506
4,321
28,53734,295506
5,251
28,537

As of Sep.30, 2016
Unrealized valuation gains (losses)
Valuation
Valuation(B)
gains
losses(Note) 1. "Available-for-sale" is valued at market price.Consequentry, figures in the above table show the differences between the acquisition cost and the balance sheet
amount.
2. In addition to securities, figures in the above include the trsut beneficial rights recognized as "Monetary claims bought".
3. Since the financial results have substantially changed compared with those of FY2015 due to the business combination on Octber 1, 2016, figures as of
September 30, 2016 are not shown.
(注)

１．「その他有価証券」については時価評価しておりますので、上記の表上は、貸借対照表計上額と取得価額との差額を計上しております。
２．「有価証券」のほか、「買入金銭債権」中の信託受益権も含めております。
３．当社は、平成28年10月1日の経営統合により連続性がなくなったため、平成28年9月末の計数は記載しておりません。

【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】

Held-to-maturity
Bonds
OthersAvailable-for-sale
Stocks
Bonds
Others
Total
Stocks
Bonds
Others

満期保有目的債
券
その他
その他有価証券
株
式
債
券
そ
の
他
合
計
株
式
債
券
そ
の
他

(Millions of yen）

As of Dec.31, 2016
Unrealized valuation gains (losses)
Carrying
Valuation
Ammount
(A)
(A-B)
gains
117,266
12,938(1,361)
12,966117,266
12,938(1,342)
12,966(18)－－－
3,914,125
239,30922,734
266,839
305,685
169,135
46,465
169,6412,240,540
48,607(15,097)
49,8481,367,899
21,565(8,632)
47,3484,031,392
252,247
21,373279,806
305,685
169,135
46,465
169,641
2,357,807
61,546(16,440)
62,815
1,367,899
21,565(8,651)47,348Carrying
Valuation
Ammount
losses28
128,035
28
114,035－
14,00027,530 3,689,588
505
261,882
1,241 2,246,813
25,783 1,180,892
27,558 3,817,624
505
261,882
1,269 2,360,849
25,783 1,194,892【The Joyo Bank, Ltd. (Non-consolidated basis)】

Held-to-maturity
Bonds
OthersAvailable-for-sale
Stocks
Bonds
Others
Total
Stocks
Bonds
Others

満期保有目的債
券
その他
その他有価証券
株
式
債
券
そ
の
他
合
計
株
式
債
券
そ
の
他

(Millions of yen）

As of Dec.31, 2016
Unrealized valuation gains (losses)
Carrying
Valuation
Ammount
(A)
(A-B)
gains
41,447
407
(137)
410
41,447
407
(137)
410
－
－
－
－
2,565,610
183,755
24,157200,394
256,299
137,062
39,071
137,557
1,561,343
27,974(11,261)
28,928
747,967
18,719(3,652)33,9072,607,058
184,163
24,019200,804
256,299
137,062
39,071
137,557
1,602,790
28,382(11,399)
29,339747,967
18,719(3,652)33,90738,22638,226－2,479,982
219,890
1,586,545
673,5462,518,209
219,890
1,624,772
673,546

As of Sep.30, 2016
Unrealized valuation gains (losses)
Valuation
Valuation(B)
gains
losses
544
547
2
544
547
2
－
－
－
159,598
168,485
8,887
97,99099,554
1,564
39,236
39,468232
22,371
29,461
7,090
160,143
169,033
8,889
97,99099,554
1,564
39,78140,016235
22,371
29,461
7,090

Carrying
Valuation
Ammount
losses25
89,80825
75,808－14,00010,891 1,209,605
10
41,991
287
660,267
10,594507,345
10,916 1,299,414
1041,991
312
736,076
10,594
521,345

As of Sep.30, 2016
Unrealized valuation gains (losses)
Valuation
Valuation(B)
gains
losses13,755
13,767
12
13,736
13,746918
21
256,97563,765
6,789
24,68024,846165
24,46824,781
313
7,826
14,137
6,310
70,731
77,533
6,802
24,68024,846165
38,20438,527322
7,845
14,1596,313

Valuation
losses3
3－
16,638495
953
15,188
16,641495
956
15,188Carrying
Ammount【The Ashikaga Bank, Ltd. (Non-consolidated basis)】

Held-to-maturity
Bonds
OthersAvailable-for-sale
Stocks
Bonds
Others
Total
Stocks
Bonds
Others

満期保有目的債
券
その他
その他有価証券
株
式
債
券
そ
の
他
合
計
株
式
債
券
そ
の
他

As of Sep.30, 2016
Unrealized valuation gains (losses)
Valuation
Valuation(B)
gains
losses
14,30014,31515
14,281
14,2931218
21
2216,574
232,251
15,676
122,670
124,401
1,730
63,70464,250545
30,19843,59913,401
230,874
246,566
15,692
122,670
124,401
1,730
77,98678,544558
30,217
43,621
13,403(Millions of yen）

As of Dec.31, 2016
Unrealized valuation gains (losses)
Carrying
Valuation
Ammount
(A)
(A-B)
gains
75,81912,531(1,224)
12,55675,81912,531(1,205)
12,556－－(18)－
1,348,514
55,553(1,422)
66,44449,38532,073
7,393
32,084
679,197
20,632(3,835)20,920619,931
2,846(4,980)13,4401,424,333
68,084(2,646)79,001
49,38532,073
7,393
32,084755,017
33,164(5,040)33,476
619,9312,846(4,999)13,440－ 18 －

5. Disclosed Claims under the Financial Revitalization Law【Mebuki Financial Group, Inc. (Consolidated basis) 】(Japanese)
Bankrupt and substantiallybankrupt claims
Doubtful claims
Claims requiring supervision
Subtotal
Normal claims
Total

Ratio of disclosed claims towards
the balance of Loans(Millions of yen）

As of Dec.31, 2016

(A)

破産更生債権及びこれらに準ずる債権
危
険
債
権

権
②

貸 出 金 等 残 高 に
占 め る 比 率 ① / ②

1.90%

正
合

管

理
計

常

債
債

計

権
①

(A-C)

As of Mar.31,

2016(B)

2016(C)

13,086142,319
41,399196,805
10,119,700
10,316,505

要
小

(A-B)

As of Sep.30,(Note) Since the financial results have substantially changed compared with those of FY2015 due to the business combination on Octber 1,2016,
figures as of September 30, 2016 and March 31, 2016 are not shown.
(注） 当社は、平成28年10月1日の経営統合により連続性がなくなったため、平成28年9月末および平成28年3月末の計数は記載しておりません。

【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】

As of Dec.31, 2016

(Japanese)
Bankrupt and substantiallybankrupt claims
Doubtful claims
Claims requiring supervision
Subtotal
Normal claims
Total
Ratio of disclosed claims towards
the balance of Loans(A)

破産更生債権及びこれらに準ずる債権
危
険
債
権
要

管

理

債

権

(A-C)

2016(B)(1,370)796

13,175

11,008142,187
41,398

5,347(1,839)1,145(5,060)136,840
43,237141,042
46,4592,137
108,239
110,377(3,118)126,028
122,909

193,253
10,132,397
10,325,651

198,509
10,114,609
10,313,119

貸 出 金 等 残 高 に
占 め る 比 率 ① / ②

1.87%

0.00%

(0.05%)

1.87%

1.92%

債
計

破産更生債権及びこれらに準ずる債権
危
険
債
権
要
小
正
合

管

理
計

(A-B)

As of Sep.30,(A-C)

2016(B)As of Mar.31,

2016(C)

6,641

(448)

608

7,089

6,032

72,09325,383
104,118

744
(686)
(390)

(2,795)(735)(2,921)

71,34926,069104,508

74,88926,118107,040

権①
権②

5,955,367
6,059,485

80,374
79,983102,91199,9895,874,993
5,979,501

5,852,455
5,959,495

貸 出 金 等 残 高 に
占 め る 比 率 ① / ②

1.71%(0.03%)(0.08%)

1.74%

1.79%

常

債

(Millions of yen）
As of Dec.31, 2016

(A)

債
計

(Millions of yen）

As of Dec.31, 2016

(Japanese)

Ratio of disclosed claims towards
the balance of Loans

2016(C)

11,805【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
Bankrupt and substantiallybankrupt claims
Doubtful claims
Claims requiring supervision
Subtotal
Normal claims
Total

As of Mar.31,

195,391
10,240,637
10,436,028

計常(Japanese)

Ratio of disclosed claims towards
the balance of Loans

(A-B)

①
権
②

小
正
合

【The Joyo Bank, Ltd. (Non-consolidated basis)】
Bankrupt and substantiallybankrupt claims
Doubtful claims
Claims requiring supervision
Subtotal
Normal claims
Total(Millions of yen）
As of Sep.30,(A)

破産更生債権及びこれらに準ずる債権
危
険
債
権

(A-B)

As of Sep.30,(A-C)

2016(B)As of Mar.31,

2016(C)

5,163

(921)

188

6,085

4,975

権
①
権
②

70,09316,01591,272
4,285,270
4,376,543

4,602(1,152)
2,527
27,86530,393

3,940(4,325)(196)
23,116
22,91965,491
17,16888,744
4,257,404
4,346,149

66,152
20,34091,4694,262,153
4,353,623

貸 出 金 等 残 高 に
占 め る 比 率 ① / ②

2.08%

0.04%

(0.02%)

2.04%

2.10%

要
小
正
合

管

理
計

常

債
債

計

－ 19 －

6. Loans(1) Term-end balance / Average balance【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】

Loans and bills discounted (Term-end balance)
Corporate
Individual customers
Public sector
Loans and bills discounted (Average balance)

As of Dec.31, 2016
(Japanese)
(A)
(A-B)
貸 出 金 （ 末 残 ） 10,256,854
68,244法人
4,846,845
72,996
個
人
4,193,330
50,002
国及び地方公共団体
1,216,678(54,754)
貸 出 金 （ 平 残 ） 10,177,889
23,936【The Joyo Bank, Ltd. (Non-consolidated basis)】
Loans and bills discounted (Term-end balance)
Corporate
Individual

customers

Public sector
Loans and bills discounted (Average balance)

As of Dec.31, 2016
(Japanese)
(A)
(A-B)
貸 出 金 （ 末 残 ）
5,967,630
39,694

Public sector
Loans and bills discounted (Average balance)(Millions of yen）
As of Mar.31,
2016 (C)10,187,145
4,813,169
4,025,669

As of Sep.30,(A-C)
2016 (B)54,922
5,927,935(Millions of yen）
As of Mar.31,
2016 (C)5,912,707(131,626)
196,550

1,271,433
10,153,953

人

2,838,116

40,704

9,484

2,797,412

2,828,632

個人

2,337,798

27,512

97,2072,310,286

2,240,591

国及び地方公共団体

791,715(28,521)(51,768)

820,237

843,484

貸 出 金 （ 平 残 ）5,950,745

16,141

142,4735,934,603

5,808,271

As of Sep.30,(A-C)
2016 (B)
14,786
4,260,674
24,19170,452(79,857)
54,076

1,976,436
1,833,041
451,196
4,219,349(Millions of yen）
As of Mar.31,
2016 (C)4,274,437(A-C)
176,097
167,178
115,659
51,5198,918
214,368

As of Sep.30,
2016 (B)
3,947,692
3,825,039
2,975,141
849,898
122,652
7,133,088(Millions of yen）
As of Mar.31,
2016 (C)3,825,427
3,709,542
2,895,474
814,068
115,885
7,014,519

As of Sep.30,(A-C)
2016 (B)106,240
2,205,490
103,952
2,134,374
58,9521,450,747(Millions of yen）
As of Mar.31,
2016 (C)2,130,951
2,062,014
1,410,941

As of Dec.31, 2016
(Japanese)
(A)
(A-B)
貸 出 金 （ 末 残 ）
4,289,223
28,549法人
2,008,729
32,292
個人
1,855,531
22,489
国及び地方公共団体
424,963(26,232)
貸 出 金 （ 平 残 ）4,227,144
7,795(2) Consumer loans / Loans to SMEs

【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】

Consumer loans
Housing-related loans
Housing loans
Apartment loans

Other loans
Loans to SME and Indivisual customers (SMEs)
Ratio of loans to SMEs

As of Dec.31, 2016
(Japanese)
(A)
(A-B)
消費者ローン残高
4,001,525
53,833
住宅関連ローン残高
3,876,721
51,681
住 宅 ロ ー ン 残 高
3,011,133
35,992
アパートローン残高
865,587
15,689
その他ローン残高
124,804
2,151
中小企業等貸出金残高
7,228,888
95,799
中小企業等貸出比率
70.47%
0.46%【The Joyo Bank, Ltd. (Non-consolidated basis)】
Consumer loans
Housing-related loans

Housing loans
Apartment loans
Other loans
Loans to SME and Indivisual customers (SMEs)
Ratio of loans to SMEs

As of Dec.31, 2016
(Japanese)
(A)
(A-B)
消費者ローン残高
2,237,192
31,701
住宅関連ローン残高
2,165,967
31,592
住 宅 ロ ー ン 残 高1,469,894
19,146
アパートローン残高
696,072
12,445
その他ローン残高
71,225109
中小企業等貸出金残高
3,926,968
49,817
中小企業等貸出比率65.80%
0.40%

1.62%

45,000

Other loans
Loans to SME and Indivisual customers (SMEs)
Ratio of loans to SMEs

As of Dec.31, 2016
(Japanese)
(A)
(A-B)
消費者ローン残高
1,764,332
22,131
住宅関連ローン残高
1,710,754
20,089住 宅 ロ ー ン 残 高
1,541,239
16,845
アパートローン残高
169,5143,244
その他ローン残高
53,5782,041
中小企業等貸出金残高
3,301,919
45,981
中小企業等貸出比率
76.98%
0.57%－ 20 －

70.01%

683,627

1,984,537
1,785,078
504,821
4,173,068

68.85%

651,072

2,287
118,429
1.39%

71,116
3,877,150
65.4%

68,937
3,808,538
64.4%

(A-C)
69,85663,22556,706
6,519
6,630
95,938
1.98%

As of Sep.30,
2016 (B)
1,742,201
1,690,664
1,524,394
166,270
51,5363,255,938
76.41%(Millions of yen）
As of Mar.31,
2016 (C)1,694,476
1,647,528
1,484,533
162,995
46,9473,205,981
75.00%【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
Consumer loans
Housing-related loans
Housing loans
Apartment loans

1,348,305
9,981,339

法【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
Loans and bills discounted (Term-end balance)
Corporate
Individual customers

As of Sep.30,(A-C)
2016 (B)69,708
10,188,610
33,676
4,773,848
167,660
4,143,327

7. Deposits【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】(Japanese)

Deposits (Term-end balance)(Millions of yen）

As of Dec.31, 2016
(A)

(A-B)

(A-C)

As of Sep.30,

As of Mar.31,

2016 (B)2016 (C)13,327,914

預 金 （ 末 残 ）

13,415,055

271,270

87,141

13,143,785

Of which, individual customers う ち 個 人 預 金

9,829,050

252,264

326,342

9,576,786

9,502,707

Of which, corporate

う ち 法 人 預 金

2,934,120

65,67580,8992,868,444

2,853,220

Of which, public sector

う ち 公 金 預 金534,427(27,169)(270,009)

561,596804,437

Deposits (Average balance)

預 金 （ 平 残 ）

13,212,251

1,794

335,067

13,210,456

12,877,183

Negotiable certificates of deposit(Term-end balance)

譲渡性預金（末残）396,464(2,431)132,046

398,896

264,418【The Joyo Bank, Ltd. (Non-consolidated basis)】(Japanese)
Deposits (Term-end balance)(Millions of yen）

As of Dec.31, 2016
(A)

(A-B)

(A-C)

As of Sep.30,

As of Mar.31,

2016 (B)2016 (C)

預 金 （ 末 残 ）

8,148,132

175,024

44,7797,973,108

8,103,353

Of which, individual customers う ち 個 人 預 金

6,110,584

150,270

203,657

5,960,314

5,906,926

Of which, corporate

う ち 法 人 預 金

1,648,311

69,18729,287

1,579,123

1,619,023

Of which, public sector

う ち 公 金 預 金300,530(34,614)(157,644)

335,144458,175

Deposits (Average balance)

預 金 （ 平 残 ）8,050,450(9,531)

216,279

8,059,982

7,834,170

Negotiable certificates of deposit(Term-end balance)

譲渡性預金（末残）123,692

9,521

84,152

114,171

39,539【The Ashikaga Bank, Ltd. (Non-consolidated basis)】(Japanese)
Deposits (Term-end balance)(Millions of yen）

As of Dec.31, 2016
(A)

(A-B)

(A-C)

As of Sep.30,

As of Mar.31,

2016 (B)2016 (C)

預 金 （ 末 残 ）

5,266,922

96,24542,361

5,170,677

5,224,561

Of which, individual customers う ち 個 人 預 金

3,718,466

101,994

122,685

3,616,472

3,595,781

Of which, corporate

う ち 法 人 預 金

1,285,809(3,512)

51,612

1,289,321

1,234,197

Of which, public sector

う ち 公 金 預 金

233,897

7,445(112,365)

226,452

346,262

Deposits (Average balance)

預 金 （ 平 残 ）5,161,800

11,325

118,787

5,150,474

5,043,012

Negotiable certificates of deposit(Term-end balance)

譲渡性預金（末残）272,772(11,953)

47,893284,725

224,878－ 21 －